Kikoff's credit building app is the the fastest way to build credit safely, with plans from $5/month. Backed by Lightspeed.
About the role
We are seeking a Staff Machine Learning Engineer to set the technical direction for machine learning at Kikoff. ML sits at the center of our business: our underwriting models decide who we extend credit to, our risk models protect our customers and our balance sheet, and our personalization and growth models shape how millions of people experience our products.
What they're looking for
- Track Record: Demonstrated ownership of ML systems with direct, measurable business impact at scale. Experience in consumer lending, credit underwriting, fraud, or payments strongly preferred
- Technical Depth:
- Expert-level Python, strong general software engineering fundamentals and system design skills
- Deep experience with the full ML lifecycle in production: feature engineering, training, evaluation, serving (batch and real-time), monitoring, and retraining
- Hands-on experience designing ML platform components such as feature stores, model registries, and evaluation frameworks, and making pragmatic build-vs-buy decisions
- Strong command of gradient-boosted trees and classical ML for tabular data, working knowledge of deep learning frameworks (e.g., PyTorch) where applicable
More about this role
Kikoff: The Fintech Powering Financial Security at Scale
Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money.
We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially.
This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships. Yes, you can build an exciting business AND have real-life real-customer impact.
We are seeking a Staff Machine Learning Engineer to set the technical direction for machine learning at Kikoff. ML sits at the center of our business: our underwriting models decide who we extend credit to, our risk models protect our customers and our balance sheet, and our personalization and growth models shape how millions of people experience our...
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